Digit Infinity Wallet
Overview
Digit Infinity Wallet is a comprehensive plan offered by Go Digit General Insurance Limited. It offers decent benefits with hardly any restrictions. It provides unrestricted room coverage, unlimited restorations, and a personal accident cover of Rs. 1 Lakh. The plan is reasonably priced.
Go Digit General Insurance was founded in 2016 and commenced business in 2018. It mainly focuses on motor and health insurance. It has a very short and limited business track record.
Pros and Cons
- No room restrictions – Choose any room during hospitalisation.
- No copayment or sub-limits – Covers hospitalisation expenses fully up to the sum insured with no copay or sub-limits.
- Unlimited Restorations – If your cover gets partially or fully exhausted, the insurer refills your base sum insured multiple times to cover subsequent claims in a policy year.
- It is a reasonably priced health insurance option.
- The insurer has a short and limited business track record.
- Consumables are not covered under the base plan.
- Modern treatment coverage is limited to 50% of the base SI.
Plan Benefits
Covers inpatient care hospitalisation expenses
The Digit Double Wallet plan covers inpatient hospitalisation expenses with no copayment clause or disease-specific sub-limit, making it a comprehensive and all-inclusive health insurance plan. However, modern treatments are covered only up to 50% of the base sum insured.
No room rent capping
The plan comes with no room restrictions. Choose a deluxe, suite or any room that suits your lifestyle, and the insurer fully covers your bill.
Fully covers all daycare procedures
Health insurance policies typically cover expenses if hospitalisation exceeds 24 hours. However, many treatments or surgeries done under anaesthesia now require less than 24-hour hospitalisation. They are called daycare treatments. The plan covers the cost of all such treatments fully.
Covers pre and post-hospitalisation expenses
The insurer also covers hospitalisation-related medical expenses for up to 60 days before and 180 days after hospitalisation. Think of follow-up consultations, diagnostic tests, physiotherapy sessions, medication, etc.
Get no-claim bonus for every claim-free year
The insurer provides a no-claim bonus equal to 50% of the base sum insured for every claim-free year. Maximum bonus is capped at 100% of the base sum insured.
Get unlimited restorations of sum insured
You do not have to worry about coverage for the next claim if you have already made a claim. Your insurer restores your sum insured multiple times in a policy year if your base cover is fully or partially exhausted. The restored benefit can be used for related or unrelated subsequent claims.
Covers road ambulance charges
In an emergency, you might need to be transported to the hospital in an ambulance. The insurer covers the expenses of a road ambulance up to 1% of the base sum insured or Rs. 15,000/-, whichever is lower.
Covers air ambulance charges in emergencies
If you require rapid ambulance transportation during an emergency life-threatening situation, the insurer will cover the emergency air ambulance charges up to the sum insured.
Covers AYUSH hospitalisation
The insurer fully covers inpatient treatment taken under alternative lines (including Ayurveda, Yoga, Unani, Siddha and Homoeopathy).
Get cover even if you are forced to be hospitalised at home
Are you forced to be hospitalised at home? Think of a situation when hospital beds are unavailable or the patient’s medical condition does not allow him to be moved to a nearby hospital. This is called domiciliary hospitalisation. The plan still covers the expenses related to hospitalisation if done under the supervision of a medical practitioner and exceeds 3 consecutive days.
Covers organ donor expenses
Organ transplant surgeries are expensive. Moreover, the donor also requires surgery to harvest the organ. But you don’t have to worry anymore. The insurer covers the cost of harvesting an organ from a donor in case you are the organ recipient. It also includes pre and post-hospitalisation expenses of the donor for an approved claim, subject to a maximum of 5% of the claim amount. This benefit has a specified waiting period.
Get free health check-ups
You get access to free health check-ups after every year. This limit is over and above the base cover, and is subject to 0.25% of the base sum insured or Rs. 1,500/-, whichever is lower. In family floater plans, this is the total limit for all insured lives put together.
Get daily cash for choosing shared accomodation
If you choose a shared accommodation in the hospital, the insurer provides a daily cash benefit of Rs. 1,500 per day, up to a maximum of 7 days.
Get inbuilt personal accident cover
You get an inbuilt personal accident cover of Rs. 1 Lakh. The insurer pays an amount equal to Rs. 1 Lakh to your family in case of your death due to an accident.
Get coverage for weight loss surgery
The plan also covers the cost of bariatric surgery, if medically required and certain conditions are met.
Covers psychiatric illness
You also get cover for treatment of psychiatric illnesses such as delusional, mood-affective or stress-related disorders up to Rs. 1 Lakh. However, OPD consultations are not included, and the cover is effective only after you serve the specified illness waiting period.
Add-ons
Consumables Cover
Non-medical items such as syringes, masks, gloves, etc., which are used during hospitalisation, are not covered under the base plan. However, such items constitute 10% to 20% of each hospital bill. With this add-on, you get coverage for such consumable items. This is a must-have add-on.
Waiting Period Modification
With this add-on, you can reduce the waiting period on specific and pre-existing diseases with the payment of an additional premium.
Premium Savers
Network Hospital Discount
With this add-on, you opt to be treated at the Preferred Provider Network (PPN) at policy purchase to get a discount on the premium rates. However, if you get treatment at a hospital out of the PPN network later, either you incur a fixed copay or the insurer does not cover the claim, depending on the type of PPN network you opted for.
Policy Conditions
| Sum Insured Range | Rs. 2 Lakh to Rs. 3 Crore |
| Entry Age | 91 Days and above for dependent children, 18 Years and above for adults |
| Policy Tenure Options | 1, 2, 3, 4 or 5 Years |
| Coverage Types | Individual and Family Floater |
| Family Coverage | Up to 4 adults and 4 dependent children |
| Premium Payment | Monthly, Quarterly, Half-yearly, Annual |
Exclusions
Waiting Periods
- Initial Waiting Period: 7 days (except accidents)
- Specific Illness Waiting Period: 24 months
- Waiting Period on Pre-Existing Diseases: 36 months
Medical Exclusions
- Congenital external diseases
- Maternity / Sterility or Infertility treatments
- Obesity control
- Cosmetic surgeries (unless due to accident, cancer, etc.)
- Unproven treatment
- Dental treatment
- Refractive error correction for less than 7.5 diopters
Non-Medical Exclusions
- Investigation and evaluation
- Self-injury or attempt to suicide
- Alcoholism, drug or substance abuse
- Expenses for treatment necessitated by committing breach of law with criminal intent
- Expenses for treatment taken by a medical practitioner outside his discipline.
- War, terrorism, nuclear events
- Injuries from hazardous sports
About the Insurer
Go Digit General Insurance Limited is a new-age general insurance company founded in 2016. It commenced business in the year 2018. The company is backed by Fairfax Group, TVS Capital, Faering Capital and A91 Partners. It offers policies across segments such as fire, marine, cargo, aviation, motor, and health, among others. The majority of its revenue comes from the motor business.
Go Digit General Insurance has grown tremendously in the last 5 years. It also showcased operational and claim settlement efficiency by maintaining a good claim settlement ratio and a low volume of claim-related complaints. Nevertheless, it is a newer insurer with a limited business track record.
Performance Highlights (FY24)
Turnover – Rs. 7,941 Crore
Claim Settlement Ratio – 94.62%
Incurred Claim Ratio – 70.32%
Volume of Claim Complaints – 16.41 per 10,000 claims
Network Hospitals – 9,000+
Get In Touch
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Frequently Asked Questions
What is the Digit Infinity Wallet Plan?
Digit Infinity Wallet is a comprehensive health insurance plan by Go Digit General Insurance offering unlimited restoration of your sum insured throughout the policy year, enhancing financial protection.
How does the "Infinity Wallet" restoration benefit work?
After each claim, your entire sum insured is restored by the insurer for subsequent claims within the same policy year. When multiple claims arise in a policy year, the insurer restores the sum insured after each claim.
What is the maximum sum insured available under Digit Infinity Wallet?
You can opt for coverage up to Rs. 3 Crore.
Is there any copayment or room‑rent cap under Digit Infinity Wallet?
No, there is zero copayment and no limits on hospital room or ICU rent.
Can I claim for daycare treatments and domiciliary hospitalisation?
Yes, the plan covers all daycare procedures without limit, and domiciliary treatment (excluding 15 specified illnesses) up to the sum insured.
How are pre- and post-hospitalisation expenses handled under Digit Infinity Wallet?
Pre‑hospitalisation expenses are covered up to 60 days before admission and post‑hospitalisation expenses up to 180 days post discharge, up to the sum insured.
What no-claim bonus (NCB) benefit is offered under Digit Infinity Wallet?
You receive 50% of the base sum insured per claim-free year, up to a maximum of 100%.
Does Digit Infinity Wallet offer accident cover?
Yes, the plan comes with in‑built Personal Accident cover of Rs. 1 Lakh for accidental death.
Are ambulance expenses covered?
Yes, road ambulance expenses are covered up to 1% of the sum insured (max Rs. 15,000), and air ambulance expenses are covered up to the sum insured (only for emergencies).
Are advanced treatments covered?
Yes, coverage includes innovative procedures like robotic surgery, stem cell therapy, deep‑brain stimulation, and monoclonal antibody treatment up to 50% of the base sum insured.
What is the waiting period policy?
Waiting periods under the plan are:
- Initial waiting: 7 days (except accidents)
- Specific illness: 24 months
- Pre‑existing diseases (PED): 36 months (can be reduced with an add-on)
Are psychiatric and bariatric treatments included under Digit Infinity Wallet?
Yes, psychiatric illness is covered up to Rs. 1 Lakh. Bariatric surgery is also covered up to the sum insured (if certain conditions are met).
Does the Digit Infinity Wallet plan include organ donor expenses?
Yes, organ donation-related hospitalisation expenses are covered up to the sum insured. Additionally, the donor’s pre and post-hospitalisation expenses covered up to 5% of the claim amount.
Are consumables like gloves and kits covered?
Yes, you get cover on non-medical items such as syringes and gloves only if you buy the consumables cover add-on.
Which add-ons are available with Digit Infinity Wallet?
Available riders include PED waiting-period reduction and consumables cover.
Can I get cashless treatment under the Digit Infinity Wallet Plan?
Yes, Go Digit General Insurance has 9,000+ cashless network hospitals across India to facilitate cashless treatment.
What is the claim settlement ratio and turnaround?
Go Digit’s claim settlement ratio for the financial year ending 2024 was 95%.
Does the Digit Infinity Wallet plan cover maternity or infertility treatments?
No, maternity and infertility treatments are excluded.
Are wellness benefits and health check-ups included?
Yes, you get annual health check-ups up to 0.25% of SI (max Rs. 1,500), and wellness benefits like teleconsultations and app-based programs.
Who is this plan ideal for?
Digit Infinity Wallet is best suited for individuals/families desiring high and flexible sum insured, unlimited coverage restoration, zero copay, and broad hospital coverage. Note that maternity and international coverage are excluded.
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